Moyer & Moyer Insurance Blog

BJ Moyer

Have You Heard of Umbrella Insurance?

Umbrella
As you already know, anything can happen at any time.  You have a variety of insurance coverages for a variety of risk.  Anything can and does happen and it’s important to keep yourself and your family protected. An option to mitigate this risk is umbrella insurance.  Have you considered it? Have you heard of it? Umbrella coverage basically gives your existing policies and added boost.  The benefit? You get to enjoy the comfort of knowing you’re covered and that anything unexpected can and will be taken care of when it eventually happens.  Peace of mind is great isn’t it? Even if you aren’t a multi-millionaire - you could still face a lawsuit seeking millions in damages.  Can you identify with any of the following? You use social media. You volunteer or work with your HOA You have guests, events, or parties in your home You own property You have a...
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BJ Moyer

3 Questions to Ask When Shopping for Church Insurance

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Protecting your church is obviously priority number one.  With the right agent, you can make a well-informed decision while at the same time receiving personal attention and the peace of knowing your best interest is being kept as top priority.  We strive to provide our clients with the greatest client experience we can while ensuring they have the peace of mind. Here are 3 key things to ask when looking to ensure your church: Do you specialize in church insurance?  Having someone who understands the particulars around insuring churches will provide tremendous value over the long haul.  It’s also important to find out if the agent work with multiple carries or just one. How long does it take to have a claim handled?  When bad things happen, it’s important to have reasonable expectations with regard to claims processing.  It’s comforting to have confidence that your insurance company will be there...
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BJ Moyer

Online Safety Best Practices

onlinesafety
Keeping your home and car protected is a must.  What about your digital identity? Your personal information is at risk any time you log on, but there are a few things you can do to keep yourself safe. Multi-Factor Authentication:  You’ve likely seen this feature (and hopefully you’ve started using it) in which additional verification is required to sign in.  Not just a password. You will likely need to set up security questions or you can have a code or verification text or email sent to your phone.  It’s really a win-win! Granted, it takes a little longer to log in, you’ll be thankful you have added layers of security in the event of an attempted breach. Backup Your Data:  Having your phone or computer stolen is awful, but losing documents, photos, files, etc. doesn’t have to hurt as much!  Backup your data in a variety of ways. Buy an...
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BJ Moyer

3 Common Mistakes Homeowners Make

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Your home is obviously one of the biggest investments you will ever make.  Staying diligent with upkeep and fixing small problems before they become bigger problems is the best way to keep the hassle of issues at bay.  Certainly, unexpected problems will and do happen. That’s just life. Here are three mistakes that homeowners tend to make and a few tips on how to avoid them: Neglecting maintenance:  Checking your homes major systems (HVAC, sump pump, filters, etc.) should be done at least every six months.  When you change your clocks, switch out batteries in your smoke detectors, it’s important to do some additional maintenance as well.  Keep your furnace, heat pump, and central AC system serviced to ensure they’re running optimally. Change your filters at appropriate times, clean your ducts, vents, and return vents.  Clean the coils on your fridge. Check pipes for leaks and drips. Anything small you...
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BJ Moyer

Church Violence: The Threat is Real

ChurchViolence
Church violence and shootings are becoming more and more common. The calm and relaxed atmosphere and sense of personal have largely been voided with recent violence.  Churches and church leaders have taken the safety of their congregations personal and are investing in a variety of solutions to prevent future violence.  Some of those steps include active shooter training, added security, investment in security systems and cameras, etc.  As a leader or pastor yourself, I think it's important to highlight some additional solutions for this growing problem in our churches.   Communicate with your congregation - Adding security measures are great.  Having a congregation who doesn't know about them, doesn't know how to use them or doesn't understand how they work will provide a little upside in case of emergency.  Keep communication open and encourage your members to reach out and speak their minds.  After all, it's their personal safety they are...
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BJ Moyer

5 Steps To A Safer Church

5 Steps to Safer Church
Security is obviously a major concern of today’s churches.  Some churches assume more security means more costs and a costly and complicated system and install.  Want some good news? There is a lot that you can do at little to no cost! If your church leadership is ready to make changes and improve safety quickly, here are 5 steps to a safer church: Buy walkie-talkies:  An old-school two-way radio will always be beneficial when compared to a cell phone.  Should you lose signal, a walkie-talkie will still work and allow you to communicate with staff positioned around the building.  Communication is really one of the most important factors in any safety plan. Have a single church entrance:  Place a staff member or usher at the doors and lock them once service starts.  If you are going to have unlocked doors, keep a staff member in place to monitor activity at...
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BJ Moyer

Insurance For Today's Churches

MoyerChurches
  Insurance for a church or religious institution can be confusing, overwhelming, and without the right guidance, you could find yourself over or underinsured which can cost you in more ways than just financially.  At Moyer & Moyer, we specialize in insuring churches. It’s our passion and we strive to be the best resource for churches in the market. Let’s get started! Luckily, the team at Moyer & Moyer are church insurance experts!  Let's discuss some of the basics of church insurance and what you need to do to ensure your church is properly covered. Property insurance is just that, coverage for your property and things the church owns.  Your liability insurance covers you for anything you may be found liable which causes damage to another (examples:  slip and fall, light or a speaker fell, etc.). General liability insurance is your best defense against any such liability and the possible...
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BJ Moyer

More About Business Insurance

More About Business Insurance
In our previous blog, we discussed some basics of business insurance.  I want to continue talking about business insurance and the various coverages and endorsements available to protect your business.  Owning a successful business is no easy feat. Should trouble come your way, it’s important to have business insurance to protect your investment and your brand.  There are a number of coverages to consider as there are a variety of risks specifically associated with commercial policies. Let’s take a look at the most common: Employee Practices Liability Coverage:  In this day and age, hiring and firing employees opens your business up to some risk.  You have likely heard about any number of lawsuits based on discrimination, wrongful termination, harassment or sexual harassment.  These type of claims will cost you money and time. With EPL coverage, you can rest easy and not have to face the stress and exposure to such...
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BJ Moyer

An Intro to Business Insurance

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Starting a business is exciting!  That excitement is likely mixed with a little fear and probably some uncertainty about the future.  As a business owner, insurance is going to be a big part of that future. You want to protect your business and yourself from as much risk as possible while also protecting your property, staff, and patrons.   There are a lot of options for business insurance for a variety of different risks.  If you have a particular question, please contact us today to discuss your unique situation.  We will be covering the main insurance(s) you are going to need, in no particular order. Professional Liability Insurance:  If you are providing a professional service, you need Liability Insurance.  This is also called E&O insurance (errors & omissions). This insurance will cover your business should your service not perform, injure or damage a person(s) or property, or protection against claims...
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BJ Moyer

Common Questions When Renting A Car

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If you travel for personal or professional reasons this summer, you will likely rent a car.  When it comes to car rental, most people often ask if they need to buy the rental car agency's insurance.If you travel for personal or professional reasons this summer, you will likely rent a car.  When it comes to car rental, most people often ask if they need to buy the rental car agency's insurance. Let's jump straight in.  Let me remind you, that while I am an insurance agent, I may or may not be your insurance agent.  Maintaining your policy in good standing and the coverage you carry will determine whether or not your claim is accepted or denied.  We are discussing hypotheticals here.  Now... Do you need to purchase additional insurance?  Most of the time, no, probably not.  Your personal auto insurance will cover you for liability and, should a get...
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